Your employer has expanded 401(k) options available. In addition to expanded investment options, you also have the ability to discuss your financial goals with a financial professional. Retirement savings deserve careful consideration and multiple studies have shown that Advice Does Matter! *
Why a professional?
Vanguard research based on a sample of approximately 40,000 employees, just like you, between 2009 and 2013 "The Value of Managed Account Advice" published August 2015 This study showed that advice does matter. Lacking advice a retirement plan participant might suffer from risk that is either too high or too low. It is common for the employee to make timing mistakes, misunderstand risk and volatility. The study found that professional advice can add 3% to NET returns, that’s after advisor fees.
Is it all worth it?
According to the study Published May 2014 of eight large 401(k) plans with more than 723,000 participants and $55 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm. Advisors can add 3% to clients’ net returns even after fees they paid for that advice.
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See a sample retirement plan HERE we will prepare one for you. Your cost for this plan is just your time to complete the INFORMATION SHEET Complete the information sheet, save to your desktop and upload here
*According to Vanguard’s study based on their Alpha framework. Putting a value on your value: Quantifying Vanguard Advisor’s Alpha, Vanguard Research, 2014
According to the a Vanguard research based on a sample of approximately 40,000 participants between 2009 and 2013. The Value of Managed Account Advice. Published August 2015
According to the study of eight large 401(k) plans with more than 723,000 participants and $55 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm. Published May 2014
Dalbar Study - average equity investor and average bond investor performance results are calculated using data supplied by the Investment Company Institute. Investor returns are represented by the change in total mutual fund assets after excluding sales, redemption & exchanges. This method of calculation captures realized & unrealized capital gains, dividends, interest, trading costs, sales charges, fees & any other costs.